no claims protection - any use if moving provider?

magicbastarder

i have no claims protection on my car insurance policy, and a claim has been made and paid against it (that's another story). so in theory my NCB with that company is unaffected (unless i'm being naive)?

however, if i decided to move insurance to company B, would i be right in thinking that my no claims protection with company A is moot; once i declare that a claim was settled on my policy with company A, that's all B would be interested in, even if i did still have a full no claims bonus with A?

i.e. how could i produce a no claims statement of say 9 years (which is the maximum i think they issue) while also recording a claim was paid?

cheers

coylemj

i have no claims protection on my car insurance policy, and a claim has been made and paid against it (that's another story). so in theory my NCB with that company is unaffected (unless i'm being naive)?

Yes. In theory.

however, if i decided to move insurance to company B, would i be right in thinking that my no claims protection with company A is moot; once i declare that a claim was settled on my policy with company A, that's all B would be interested in, even if i did still have a full no claims bonus with A?

Yes and yes. NCB protection is entirely an arrangement between you and your current provider. As far any any other provider is concerned, you had a claim.

i.e. how could i produce a no claims statement of say 9 years (which is the maximum i think they issue) while also recording a claim was paid?

You're asking for the impossible - a statement of 9 years no claims. With a claim.

magicbastarder

You're asking for the impossible - a statement of 9 years no claims. With a claim.

yes, that was my expectation. cheers.

Gen.Zhukov

A month before my ins is due, I get a renewal quote email with my NCB attached inc a pin # that any other ins co can verify. If I change insurers, I have to send the new co the cert as proof of my NCB

I would have thought all ins co's have a similar way of working as this. You might want to wait to see what's on that before doing anything.

magicbastarder

the issue is you will be asked have you had any claims on your policy, and it's fraud if you don't declare them.

coylemj

A month before my ins is due, I get a renewal quote email with my NCB attached inc a pin # that any other ins co can verify. If I change insurers, I have to send the new co the cert as proof of my NCB

I would have thought all ins co's have a similar way of working as this. You might want to wait to see what's on that before doing anything.

There is no conceivable reason why the OP's insurance company will give him a no-claims cert which does not include the claim he mentioned.

With a claim on his record, he can't get quotes from anyone else so, even with a 'protected' no claims record, his current insurer can effectively charge what they like in the next few years. So why would they let him walk by giving him a clean sheet?